Supplemental Medicare plans in Derry, New Hampshire give Original Medicare Part A and B users coverage for health and wellbeing services they don’t get in their baseline Medicare.

The three standard options for additional Medicare in Derry are Medicare Part D plans, Medicare Supplement plans, and Medicare Advantage plans.

Derry, New Hampshire Supplemental Medicare Plans

Every plan in each of the three types of supplemental Medicare has a different price that varies based on your location, age, gender, provider, and other factors. Unlike Original Medicare, which the federal government oversees and standardizes prices for, private insurance companies distribute and control these optional plans.

The charts below show the average costs for sought-after Derry, New Hampshire, Medicare options for a typical 65-year-old male.

Affordable Medicare Advantage Plans in Derry, New Hampshire

Medicare Advantage plans cover essential services like vision, dental, and hearing appointments, and in Derry, New Hampshire, beneficiaries have several options to choose from when it comes to Medicare Advantage.

Rockingham County, Derry’s home county, has 36 Medicare Advantage options at several prices from different providers.

One of the cheapest options comes from UnitedHealthcare. It has a $0 premium and a maximum out-of-pocket (MOOP) rate of $4,500. Every Medicare Advantage package receives a rating from one to five stars that grades its effectiveness, and UnitedHealthcare has three stars.

Harvard Pilgrim has one of Derry, New Hampshire’s few low-cost HMO Medicare Advantage plans. It costs $0 in premiums and has a $6,700 MOOP. It also includes drug coverage.

Martin’s Point’s $0 premium, $7,050 MOOP Derry, New Hampshire, Medicare Advantage plan is one of the highest-regarded in the state. The Martin’s Point plan has a perfect five-star rating. It even covers out-of-country care.

PLAN PREMIUM MOOP Plan Type Star Rating
Wellcare $0 $7,550 LOCAL PPO N/A
Harvard Pilgrim $0 $6,700 HMO 4
Martin’s Point $0 $7,050 HMOPOS 5
UnitedHealthcare $0 $4,500 LOCAL PPO 3
Humana $0 $4,800 LOCAL PPO 4

Average Medicare Supplement Plans in Derry, New Hampshire

Medicare Supplement plans, which most Derry, New Hampshire providers call Medigap plans, offer additional coverage overlooked in Original Medicare Part A and B.

There are 12 different Medigap plans available in Derry, and the federal government standardizes their benefits so that each policy will have the same coverage regardless of your provider.

However, despite the coverage staying the same, insurance companies will shift the premium prices for your plan depending on several criteria.

Plan F is the most popular Medicare Supplement plan in Derry, New Hampshire, and nationwide. It provides more coverage than any other Medigap option but has the priciest range of premium rates. Plan F typically costs anywhere from $205 to $368.73.

Plan G is another popular Medicare Supplement option. It covers everything in Plan F aside from the Part B deductible, and the average costs are nearly the same, ranging from $156.50 to $335.93. Plan G includes nursing home coverage for those who need it.

Derry, New Hampshire, Medicare beneficiaries who need baseline Medigap coverage without the extra benefits generally opt for Plan N. It doesn’t have as much coverage as Plan G or F, but the average cost range of $126.06 to $241.31 is much lower. That said, it still does fill in some Medicare gaps.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $112.75 $256.37
PLAN B $162.75 $323.88
PLAN C $204.00 $320.02
PLAN D $162.61 $280.00
PLAN F $205.00 $368.73
PLAN HDF $44.00 $92.16
PLAN G $156.50 $335.93
PLAN HDG $44.00 $89.27
PLAN K $60.00 $157.09
PLAN L $107.50 $227.48
PLAN M $171.17 $288.63
PLAN N $126.06 $241.31

Cheapest Medicare Part D in Derry, New Hampshire

Medicare Part D plans cover costs for most prescription medications. Because the only supplemental Medicare options with drug coverage are a small handful of Medicare Advantage plans, Part D policies are prevalent for Derry, New Hampshire, Medicare users.

Aetna’s Part D plan is one of the most popular and affordable. It has a $7.60 premium and a $480 deductible. It features $0 copays on Tier 1 prescription drugs.

Elixir offers another sought-after Part D plan with a $480 deductible and $28.30 premium. This plan comes with a three-star rating. It also has Extra Help, a subsidy option for those with low incomes.

Humana’s Part D option has a $22.70 premium, $480 deductible, and a four-star rating, making it one of Derry’s highest-rated Part D plans. It offers $0 copays on many Tier 1 and 2 prescription drugs. The plan works with many different pharmacies to remain accessible to its members.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $7.60 $480 3
Wellcare $11.90 $480 3
Humana $22.70 $480 4
Elixir $28.30 $480 3
Cigna $29.60 $480 3

Medicare Special Needs Plans in Derry, New Hampshire

Medicare Special Needs Plans (SNPs) are a subsection of Medicare Advantage with unique coverage for beneficiaries with chronic disabilities and specialized medical needs.

Unfortunately, they are not available everywhere or at every provider, and as you can see, Derry, New Hampshire has only one SNP option.

That SNP is a local PPO plan with institutional eligibility from UnitedHealthcare. It has a $30.50 premium and $1,800 MOOP. This plan covers vision, dental, and even hearing loss.

PLAN PREMIUM MOOP Plan Type Eligibility
UnitedHealthcare $30.50 $1,800 LOCAL PPO Institutional

FAQs

How to apply for Medicare in Derry, New Hampshire?

Anyone with Social Security or Railroad Retirement Board benefits in Derry, New Hampshire, automatically gets Original Medicare Part A on their 65th birthday. If you were not automatically enrolled, you can apply at your closest Social Security office.

Does Medicare cover prescriptions in Derry, New Hampshire?

Original Medicare Part A doesn’t have any prescription drug coverage, and Part B only covers a select few medications. You’ll need a Medicare Part D plan or a specialized Medicare Advantage plan for prescription medication coverage in Derry, New Hampshire.

What does Medicare Part A cover in Derry, New Hampshire?

Medicare Part A covers your inpatient hospital services. Things like skilled nursing treatment and hospice care fall under the Part A umbrella.

What Medicare Advantage plans are available in Derry, NH?

Medicare Advantage plans are available in Derry, New Hampshire, that cover hospital outpatient services, cancer screenings, vaccinations, dental visits, and even more.

Our team can find you the best rates on whatever Medicare Advantage coverage you need.

Is Medigap better than an Advantage plan in Derry, New Hampshire?

Neither Medigap nor Medicare Advantage is necessarily better, and the one you choose should depend primarily on your specific healthcare needs.

For example, if you want coverage for dentist and optometrist visits, Medicare Advantage is likely the better fit. But if you want your Medicare to cover hospital services, you’re better off with Medigap coverage.

How to Sign Up for Supplemental Medicare in Derry

Looking for a Medicare Supplement plan is a great choice for many, but is still a big, tough decision if not armed with the right information.

Our licensed insurance agents make it easy for Medicare enrollees to find the supplemental plans they need. We work with all Derry, New Hampshire Medicare providers and compare all their rates and plans for free so that you can quickly find the coverage you need to live comfortably.

Call our agents today. Or complete our online rate form to get the best price quotes in your area.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.